6. I teach kids to work effectively. Employers purposely give false information on how to succeed so

that THEY can succeed, but not you, the worker.
1) Competition is destructive in the workplace or the classroom.
2) Cooperation is far more productive.
3) Identify and shed free riders.

I prefer micro enterprises, high in skill, low in physical resources, and unable to be replicated by corporations effectively.

Just working hard is not enough:
1) Who's putting on roofing in 120 degree heat in the summer here in west Texas? Are they working hard? Yep. Will they ever become wealthy or even mildly prosperous doing it? Nope.
2) Who's building the highways?
3) Who's picking the produce?
As many as you like. Nobody on the Forbes list is there because they worked hard.

Next, realize what money is - a claim for goods and services. So every time you pay a fee or interest or other charge, you are giving up some of your rights to goods and services to someone else - whomever you paid those extras to.

Leverage your money yourself:
Tired of paying nearly a dollar a can for canned vegetables at the grocery store? No farmer's markets in our area, so 20 families in a 3 block radius went in on a wholesaler license and buy our own direct. It's unloaded at one of the houses and split up, once a month. Cost? About 60 cents a can for the very same brands and sizes. Savings? Your money for food goes nearly twice as far.

Don't buy a car and make payments. Find out what the payments will be on the car you want and make them to yourself, every month, just like you would if you financed it. In 3 years, 4 years, pay cash. You will have the car, and the interest you would have paid will still be in the bank. Want a new car every couple of years? Just keep making those same payments, use the residual from the first and trade-in on the vehicle. You can always drive a new car with no danger or repossession. Can't make those payments to yourself? Then you couldn't make them to GMAC either, so you have lost nothing.

Plenty more, but you get the notion. I'm sure that you and I are on the same page. We want people to use their efforts intelligently. Good deals are good for both sides of the deal, and that's what the current money grubbers have deliberately left out.